PNB Kicks Off FY27 with Stellar Q1 Net Profit Soaring to ₹5,225 Crore, Asset Quality Improves
Punjab National Bank (PNB) has delivered an impressive start to FY27, reporting a sharp increase in profitability while maintaining healthy asset quality and a strong capital position. The public sector lender announced its unaudited standalone financial results for the quarter ended June 30, 2026, after the Board of Directors approved the results on July 18, 2026.
The bank posted a standalone net profit of ₹5,225.11 crore in Q1 FY27, a substantial jump from ₹1,675.00 crore reported in the corresponding quarter of the previous financial year. The strong earnings performance reflects improved operational efficiency, disciplined credit management, and continued focus on strengthening the balance sheet.
Net Profit Registers Strong Growth
PNB’s robust profit growth highlights the bank’s successful efforts to improve profitability while maintaining financial stability.
The significant increase in earnings was supported by better operational performance and sustained improvements in asset quality, reinforcing investor confidence in the bank’s long-term growth strategy.
Q1 FY27 Financial Highlights
- Standalone Net Profit: ₹5,225.11 crore
- Earnings Per Share (EPS): ₹4.57
- Gross NPA Ratio: 3.78%
- Net NPA Ratio: 0.38%
- Capital Adequacy Ratio (CAR): 17.74%
- Common Equity Tier-1 (CET1) Ratio: 13.62%
Asset Quality Continues to Improve
Punjab National Bank maintained stable asset quality during the quarter while recording notable year-on-year improvements.
The Gross Non-Performing Asset (GNPA) ratio stood at 3.78%, compared with 4.55% in Q1 FY26. Meanwhile, the Net NPA ratio improved to 0.38%, down from 0.44% a year earlier.
The continued decline in bad loans reflects the bank’s effective recovery efforts, prudent lending practices, and stronger risk management framework.
Strong Capital Position Supports Growth
PNB continues to maintain a comfortable capital buffer, providing the flexibility to support future business expansion.
As of June 30, 2026, the bank reported a Capital Adequacy Ratio (CAR) of 17.74% under Basel III norms, while the Common Equity Tier-1 (CET1) ratio stood at 13.62%.
The healthy capital position strengthens the bank’s ability to expand its lending portfolio while meeting regulatory requirements.
Earnings Per Share Improves
Reflecting the strong improvement in profitability, Earnings Per Share (EPS) for the quarter increased to ₹4.57, indicating higher returns for shareholders and improved financial performance.